Jon Long

Nashville TN Bankruptcy Attorneys Long, Burnett, and Johnson, PLLC

At Long, Burnett, and Johnson, PLLC we are bankruptcy attorneys based in Nashville, TN and the surrounding areas.

At Long, Burnett, and Johnson, PLLC we understand all of the ramifications that are associated with the Nashville bankruptcy process. However, we also understand the needs of our client’s and the impact a bankruptcy procedure can have on them.

It is our opinion (biased of course) that we are the best bankruptcy attorneys in the area. We also understand the fears that are associated with facing a bankruptcy, that you may be suffering from as well. Rest assured we've handled many bankruptcy cases successfully while managing client expectations and you will be no different!

As a well-respected bankruptcy firm, each Nashville bankruptcy lawyer  at our practice is well equipped, highly trained and highly qualified to practice the laws and procedures associated with either a Chapter 7 Bankruptcy or a Chapter 13 Bankruptcy in Nashville according to applicable laws that govern our state. The best part of all of this is that you’re not just getting a team of expert attorneys, but you’re also getting a legal partner who will guide you through the complete process of filing a bankruptcy.

So if you’re based in Nashville or in any of the surrounding areas, and you feel like you've run out of options to improve your financial situation, turn to us and we will listen to you and help you determine if bankruptcy is the absolute, best solution for you.

Common Bankruptcy Concerns

Bankruptcy is often viewed by many individuals as a very negative, unwelcoming situation, but in some cases, a bankruptcy can actually improve your situation, by allowing you to both get a handle on your finances and provide you with a with a fresh, new start.

This of course is not to be confused with the fact that filing for bankruptcy is a serious matter, and it is not to be taken lightly. Therefore, it is very imperative to receive the correct guidance and consultation from a well-seasoned, professional expert and someone you feel like is the best bankruptcy attorney you will find. Stop by and visit the any one of the fine attorneys at Long, Burnett, and Johnson, PLLC, for help in determining whether bankruptcy is the right choice for you. Call now for a free consultation at (615) 386-0075 or contact us online.

Key Signs That Bankruptcy Might Be Right for You

If you have repeatedly been struggling to meet your financial obligations for a substantial period of time and you continue to experience cash shortages, that may be a sign and a strong indicator that you should consider filing for bankruptcy.

If you are currently facing foreclosure, being badgered with constant phone calls from creditors, are facing lawsuits or garnishments of wages, then you may want to give the best bankruptcy lawyer in Nashville a call. You may also feel that you are drowning in debt and that your debt to income ratio has increased significantly over the years. Once this type of financial activity takes place, it’s very challenging to free yourself from such financial stress. This includes debt associated with areas such as medical expenses, high credit card bills, mortgage loans, personal bank loans, back taxes or other issues that have contributed to your financial hardship and potentially lack of debt management.

Once you find yourself in this kind of predicament, it’s easy to lose control over the entire situation. Worst of all, pending lawsuits that have been filed against you could be realized at a moment’s notice without the proper consultation and legal interception.

If you are being harassed by creditors and are facing threats of wage garnishments, auto repossessions, the loss of your property or other assets, then you can possibly began to suffer from an enormous amount of anxiety, stress and pressure that is being placed upon you from these out-of-control circumstances. Especially if you have family members who are relying on you for financial support. You may also start to notice that the stress anxiety and pressure from the financial hardship is often transferred to other family members, who sadly are one of the first ones to feel the effects of such drastic losses. Additionally, your work performance can suffer too, because financial issues normally lead to depression and other mental drawbacks, thus this area tends to spill over into the work life as well. Because of this, many clients find that there is nowhere to hide, because creditors often harass them at home and on the job.
 
 

How Bankruptcy Can Help You Take Your Life Back

Thankfully there is a way to take control of financial hardships and get your life back on track. Upon speaking to highly qualified attorneys, you should be able to make more informed and sound decisions, become familiar with better debt management options, and best of all, take back your life.

In many cases, clients find that bankruptcy is the only answer to their financial situation. It can stop the harassing phone calls and other actions that have been filed against them. The overall bankruptcy process can turn your financial situation completely around and help you get back on track.
 
 

Answers to Common Bankruptcy Questions

We know that you may have questions some basic concerns that you need to address before moving forward with the bankruptcy process. Long, Burnett, and Johnson, PLLC is committed to disclosing the bankruptcy process in its entirety and putting your mind at ease concerning its involvement and whether or not there are any risks associated with your particular bankruptcy situation.
 
 

Will My Credit Rating Be Affected?

Many people have concerns about how bankruptcy will affect their credit scores and have often delayed the process as a result it. However, there are many cases where not choosing to file for bankruptcy could have a more damaging effect on your credit score. How? Because you can experience a decrease in your credit score if you continue to allow your financial situation to remain the same - such as continued missed or late payments, as well as judgments and liens being filed against you, which are all examples of how your credit score can worsen over time if your financial situation remains the same. Another issue is that you never know exactly how long it will take you to rectify the problem without legal representation to assist. To that end, if your financial situation continues on a downward spiral, you still may be forced to file for bankruptcy in the end. So why wait until things worsen when you can get the assistance you need now from a qualified, professional team of attorneys.

The good news is, even though bankruptcy does have an effect on your credit rating, it also allows you to start all over again. You can stop the bleeding by addressing your financial situation that has been keeping you trapped possibly for years. The sooner you file for bankruptcy, the sooner you can start rebuilding your credit, your life and get back on track.

 

Will I be able to afford bankruptcy?

You may be concerned that filing for bankruptcy is just another added expense at an already difficult time. However, with a Chapter 13 bankruptcy, your up front filing costs is as low as only $63.
 
 

Will I lose my assets?

While your assets might be at risk now, it's also wise to consider whether you may lose them if you file for bankruptcy as well. This depends on your situation of course. However, it is still possible that you may be able to maintain your house and the majority, if not all of your assets. One of our highly qualified bankruptcy attorneys will assist with determining which of your assets you are able to keep should you decide to file for bankruptcy.

There are two primary types of bankruptcies that can be can filed by individuals in Nashville, TN: a Chapter 7 Bankruptcy and a Chapter 13 Bankruptcy. With a Chapter 7 Bankruptcy filing, you may be required to sale your property, vehicle or other assets based on their value, which will be used to pay part of your debt. However in most cases, during a Chapter 7 Bankruptcy, you're able to keep most all of your assets. With Chapter 13 Bankruptcy on the other hand, you must set up a payment plan that must be followed for up to five years. After which, the remainder of your debt is discharged. Additionally, you are not required to give up your assets regardless of their value. An attorney can assist you with determining which type of bankruptcy is most conducive to your current financial situation and the effects it will have on your assets.

How Do I Know For Certain That Bankruptcy Is Best For Me?

To really know whether you should go through with the bankruptcy process, it's best to first consult with Long, Burnett and Johnson, PLCC, the best bankruptcy attorney around. We will able to guide you through the overall bankruptcy process in a professional and confidential manner. We will also explain the bankruptcy procedures and answer any questions you may have.

What You Can Expect From Long, Burnett, and Johnson, PLLC

If you're looking for the best, qualified local lawyers to assist you with your bankruptcy, twe are the best, well qualified, well-seasoned lawyers in the area. We can assist you in filing for bankruptcy according to regulatory government bankruptcy codes.

Additionally, all bankruptcy cases are processed by our qualified attorneys, as opposed to paralegals - which allows us to give each case the personal time and attention it deserves.

Stop by For a Free Consultation

If you're ready to take the next step towards learning whether or not bankruptcy is right for you, our doors are always open - just feel free to stop by our office at no cost or obligation to you. We offer free consultation by one of our highly qualified bankruptcy attorneys. Don’t delay, stop by or call us today at (615) 386-0075. You may also visit us online to request a free consultation by completing one of our online forms.